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    Fundbox Business Financing

    Instant credit lines with AI approval and flexible repayment options.

    Founded 2013
    Public
    San Francisco, CA
    201-500
    www.fundbox.com
    Size:
    Startup & SMB
    |
    Best For:
    Broker
    Carrier
    Retailer / eCommerce

    Platform Overview

    Fundbox provides lines of credit and invoice financing for SMB logistics providers. It offers fast approval, flexible repayment, and working capital solutions for brokers, carriers, and retailers.

    Core Strengths
    • AI-powered underwriting assesses business health rather than just credit scores
    • $6 billion total loans made with $2B+ annual origination capacity
    • Partnership-focused embedded finance model reaching 500,000+ small businesses
    Best Suited For
    • Small businesses needing operating expense coverage (56% of use cases)
    • Companies seeking fast 1-2 day funding with minimal documentation
    • Businesses wanting invoice payment acceleration without traditional credit requirements
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    Why Choose Fundbox Business Financing

    Instant credit lines with AI approval and flexible repayment options.

    Best For
    Startup & SMB
    Broker
    Carrier
    Retailer / eCommerce

    Fundbox Business Financing Features (8)

    Verified
    Business Line of Credit - Up to $150,000 with 12 or 24-week repayment terms
    Net Terms (Vendor Credits) - Fast payment for supplier invoices
    Flex Pay - Free flexible repayment service to adjust payment schedules
    AI-Powered Underwriting - Machine learning assesses business health, not just credit
    Fast Approvals - Decisions within minutes to same-day
    Quick Funding - Funds arrive in 1-2 business days
    Mobile App - Available for iOS and Android (rare among lenders)
    Embedded Capital Solutions - White-label financing within partner platforms

    Fundbox Business Financing Integrations (8)

    Unverified
    QuickBooks (Intuit)
    FreshBooks
    Wave (2025)
    Nav (Mar 2024)
    Autobooks
    EverCommerce
    Cross River Bank
    Banking APIs

    Company Background

    Company Details
    Founded:2013
    Location:San Francisco, CA
    Employees:201-500
    Company History
    Founded 2013 Fundbox established in San Francisco
    Sept 2024 Secured $2B+ warehouse capacity from Cross River and Waterfall
    2024 ~$1B volume in 14 months, partnerships with Nav, Wave, EverCommerce
    Funding History
    $400M+ raised
    Major fintech with Cross River Bank $2B+ facility
    Investors: General Atlantic, Spark Capital, Khosla Ventures

    Source: fundbox.com, American Banker. Data verified December 2025.

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